Loan Rates

All Loan rates are effective 7/1/23 and are subject to change without notice. Loan rates are competitive and based on each member's credit score and loan term.

*APR = Annual Percentage Rate

Loan cancellation fee of $35 will be taken if after pre-approval for loan member does not complete follow-up information requests or if member cancels the loan application. All loan approvals are valid for 30 days after which time the RFCU Loan Department will consider the application stale-dated.

Auto Loans

Credit Rating A+; >APR* A; >APR* B; >APR* C; >APR*
24 Months 5.75 5.80 5.95 6.75
36 Months 5.95 6.00 6.15 7.20
48 Months 6.15 6.20 6.40 8.40
60 Months 6.25 6.30 6.60 8.85
72 Months 6.50 6.60 7.10 10.00
84 Months 7.00 7.10 7.60 10.75

Home Equity Loans

Credit Rating A+; >APR* A; >APR* B; >APR* C; >APR*
36 Months 6.00 6.15 6.40 7.40
60 Months 6.50 6.65 6.90 7.90
84 Months 6.75 6.90 7.20 8.20
120 Months 7.00 7.15 7.55 8.55
180 Months 7.25 7.40 7.85 9.15
240 Months 8.00 8.20 9.10 10.30

Signature Loans

Credit Rating A+; >APR* A; >APR* B; >APR* C; >APR*
24 Months 10.10 10.20 10.40 11.75
36 Months 10.35 10.45 10.65 12.25
48 Months 10.60 10.70 11.00 12.75
60 Months 11.00 11.10 11.60 13.25
72 Months 11.50 11.60 12.10 14.10
Loans Rate APR* Term
Home Equity Line of Credit Loans (variable 0% over Wall St Prime) 8.50 8.50 N/A
Share Secured Loans 4.00 4.00 144
Certificate of Deposit Loans 3% over CD APR 4.30 4.30 N/A
Stock Secured Loans (80% of current market value) 7.00 7.00 N/A
Motorcycle Loans 8.25 8.25 60
Personal Line of Credit Loans (variable 4% over Wall St Prime) 12.50 12.50 N/A
Overdraft Protection Loans 17.75 17.75 N/A
Visa Classic (Credit Limits $300-$4,999) 12.99 12.99 N/A
Visa Platinum (Credit Limits $5,000 and Up) 10.99 10.99 N/A